Terms & Conditions of Premium Quote Generation

"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."

The premium calculated above is based on the data provided by you in the application form.
The above information must be read in conjunction with the sales brochure and policy document.
Tax Benefits would be available as per the prevailing Income Tax laws.
GST has been levied as per applicable Tax laws.
The general terms and conditions of the usage of this website also apply.
For any clarification, please feel free to chat with our customer service on WhatsApp at 8860402452.
I authorize Care Health Insurance and associate partners to contact me via email or phone or SMS and record the conversation for training & Quality purpose.

JOY Maternity Insurance Plan

A Maternity Health Insurance is a safety net for expecting mothers and their newborns with thoughtful features and benefits that cover delivery-related expenses during the most joyous phase of their life..

Secure the Ultimate JOY of Motherhood with Maternity Plan

Get a Free Quote

Enter Mobile Number +91

By clicking, you agree to our Terms and Conditions

Get updates on WhatsApp

Select family members
you want to cover

Self

Spouse

Son

- +

Daughter

- +

Continue

Where do you live?
Help us with your city

Enter Your City / Pincode

View Quote

Reasons to Choose Care Health Insurance?

21100+ CASHLESS HEALTHCAREPROVIDERS^^
95.2% INSURANCE CLAIMSETTLEMENT RATIO*
30 LACS+ CLAIMS SETTLEDSUCCESSFULLY*

What is JOY- Maternity Insurance Plan?

JOY is a thoughtfully designed health insurance plan with maternity coverage for expecting mothers and newborns. At Care Health Insurance, we understand that rising medical inflation and skyrocketing hospitalization expenses create financial hindrances for to-be parents. Therefore, we offer JOY- the most health insurance with a maternity cover that gives the best healthcare facilities to the mother and her baby.

Available at an affordable premium, this plan reduces the couple's financial worries about delivery-related expenses and encourages them to start their family at the right time. It comes with a waiting period, so it is advisable to get maternity cover insurance in advance and stay prepared to welcome your baby into this world without any distress.

Plan Highlights of Joy - Maternity Insurance Plan

An ideal combination of health insurance that covers hospitalization and maternity insurance.
Promises to cover your newborn baby for up to 90 days.
Covers 540+ daycare treatments.
Simple claim settlement procedure to ensure immediate services.

Cover highlights

MATERNITY CARE

NEW-BORN BABY COVER

Pre & Post hospitalization
Expenses

INPATIENT CARE

Day care treatment

AMBULANCE COVER

FAMILY FLOATER OPTION

Coverage Benefits Under JOY - Maternity Insurance Plan

Health insurance with maternity coverage comes with the following features:

See all Sum Insured Options

KEY FEATURES	Joy Today	Joy Tomorrow
In-Patient Care
Day Care Treatment
Pre-hospitalization We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.	30 days	30 days
Post-hospitalization We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.	60 days	60 days
Ambulance Cover	Up to ₹1,000 per Claim	Up to ₹1,000 per Claim
Maternity Cover We will cover maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. What’s more, we even cover pre and post-natal expenses!	Up to ₹35,000 for 3L SI Up to ₹50,000 for 5L SI	Up to ₹35,000 for 3L SI Up to ₹50,000 for 5L SI
Newborn Baby Cover We will also cover the medical expenses of your dear newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium.	Up to ₹30,000 for 3 Lac SI Up to ₹50,000 for 5 Lac SI	Up to ₹30,000 for 3 Lac SI Up to ₹50,000 for 5 Lac SI
New Born Birth Defects	Not Applicable	₹50,000
Maternity wait period	9 months	24 months

Maternity Insurance Plan Details

Minimum Entry age of adult is 18 years or above and 1 day to 24 years for child
Maximum Entry age limit is 45 years
Pre-policy issuance Medical Check up applicable on insured Person with age 46 years or above
Sum Insured will be reinstated for a non-related illness once a year if the original sum insured gets exhausted in a year
Waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase
Co-payment - While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -
- Continuing the policy with 20% co-payment
- Continuing the policy without 20% co-payment by opting for a waiver benefit.
Free-look period of 15 days from the date of receipt of policy if you find it unsuitable after deducting proportionate risk premium for the period on cover, expenses for medical examination and stamp duty charges, as applicable

Download Terms & Conditions

Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
Non-allopathic treatment.
Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
Cost of spectacles/contact lenses, dental treatment
Medical expenses incurred for treatment of AIDS
Congenital disease
Tests and treatment relating to infertility and in-vitro fertilisation.

STEP 1

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval letter sent by the claim management team

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval letter sent by the claim management team

Query

Insured to response to the query raised by the claim management team

Rejected

We will communicate the reason in case of rejection

FAQS on Maternity Insurance Plan

Oops! No results found for your keyword search

Most Frequently Asked Questions

Q. When should I buy JOY- Maternity Health Insurance Plan?

You can buy a maternity insurance plan when you are ahead in planning a family. Under our maternity/pregnancy insurance cover “Joy Today”, we cover maternity expenses after 9 months, and in the case of another cover called “Joy Tomorrow,” we cover maternity expenses after 2 Years.

Q. Can I get JOY- Maternity Health Insurance while pregnant?

No, you can’t buy JOY- Maternity Health Insurance while pregnant. You can take maternity insurance when ready to welcome your bundle of joy. However, the benefit is only available if the delivery happens after the waiting period. So, it is advisable to buy maternity insurance as early as possible. Care’s Joy Maternity Insurance Plan will provide essential coverage.

Q. What is the Waiting Period for JOY- Maternity Insurance?

We have two maternity health insurance products their respective waiting period is mentioned as below:

Joy Today: 9 months
Joy Tomorrow: 3 years

Q. What is the minimum and maximum age for JOY- Maternity Health Insurance?

The eligibility for maternity health insurance is:

Minimum Age: Adult: 18 years or above
Maximum Age: 45 years

Q. Is Pregnancy Considered a Pre-existing Condition for Health Insurance?

No, if you get pregnant before enrolling in a health plan and delivery happens after the waiting period, you are eligible to avail of the benefit.

Q. Is Pregnancy Termination Covered in Maternity Coverage?

Self-termination of pregnancy is not covered under maternity coverage.

Q. Is 2nd Child Birth Covered Under Maternity Coverage?

Yes, 2nd childbirth is covered under maternity coverage if the maternity sum insured is not exhausted.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

*Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.
^^Number of Cashless Healthcare Providers till 31st Dec 2022
**10% discount is applicable for a 3-year policy